FAQ

Is the Fletcher algorithm just an AI model?

No. I’m not opposed to using AI in the future, but at the moment, the framework under which Fletcher calculations are made does not utilize AI.

Is Fletcher a pump and dump scheme?

No. Fletcher is a rule-based system that generates monthly signals based on a predefined methodology—it doesn’t promote or hype individual stocks. I don’t coordinate buying activity, I don’t control prices, and I don’t encourage anyone to rush into trades. Signals are predefined, time-based, and limited (up to 6 per month)—not reactive or driven by short-term momentum. Also, I use Fletcher for my own investing, so I’m aligned with long-term outcomes—not short-term price spikes. Like any strategy, it involves risk—but manipulation isn’t part of the model.

What’s the real track record?

Fletcher has been tested on historical data from 2018–2025, averaging ~79% annual returns with a total return over 10,000%. Live performance tracking is ongoing (since January 2026.) *these figures have not been audited.

Is this live or simulated?

Results to date are backtested (proof of concept). Going forward, I’m using Fletcher with real capital and sharing results transparently.

What assumptions are included (fees, slippage, taxes)?

Testing includes realistic trading assumptions, but does not fully account for taxes or every market friction—actual results will vary.

What’s the worst drawdown?

Fletcher does experience meaningful drawdowns, as any equity strategy does. It’s built to recover over time, not avoid volatility entirely. In backtesting, the worst year was 2019 @ 3% and the worst sixty day window was February to March 2020 @ -33%. Side note, that year ended at 102% gain. 

How consistent are returns?

Returns vary year to year, but 2-year rolling periods have historically outperformed the S&P 500 by 20%+. 2018-2025 average outperform is 70+.

What are the risks?

You can lose money. Fletcher concentrates positions and follows rules regardless of market conditions, which can lead to short-term losses. Backtesting so far shows 31% of signals deliver a negative. note: there are 36 signals per year.

Can it underperform the S&P 500?

According to backtesting, the answer is “Yes”—especially when looking at two year periods. While Fletcher may underperform at times, it shows to recoup quickly to outperform.

How volatile is it?

Fletcher has shown to be more volatile than the S&P 500 at times. Higher returns often come with larger swings.

Are these meme stocks?

No. Fletcher does not engage in or consider signals from meme stock activity.

Who is this not for?

Investors who need short-term certainty, low volatility, or who struggle sticking to a system during drawdowns. If you want to mitigate risk with immense diversification Fletcher may not be your best investment strategy. However, some will dedicate a percentage of portfolio to the Fletcher algorithm.

What kind of signals does it generate?

The signals are simple. Buy, sell, or hold. 

How many trades per month?

Typically 0–6 trades, executed on the first trading day of each month.

What kinds of stocks?

Publicly traded U.S.-based companies listed on major exchanges with $20B+ market value, strong liquidity, positive earnings. You’ll recognize stocks from backtesting—NVDA, HOOD, MRNA, DOW, SMCI, APP, etc.

How much time does it take?

Minimal—one execution window per month. It simply takes as long as you take to execute your trades in your own brokerage account.

How do I use Fletcher?

You receive the monthly signals and execute them in your own self-directed brokerage account.

Do I need special tools?

No—just a standard brokerage account.

What account size is appropriate?

Flexible, but generally more effective with $10K+ to properly offset membership expenses.

Can I use this in a retirement account?

Yes. In fact, tax-advantaged accounts may be ideal due to trading activity. Non-retirement accounts will be subject to short term capital gains taxes due to the trading rhythm of Fletcher.

Are you investing your own money?

Yes—I use Fletcher to guide my personal investing decisions. Currently I have 40% of my portfolio following Fletcher.

How are you incentivized?

My credibility and capital are tied to Fletcher’s performance—I use it to guide my own investments, so our outcomes are aligned. I also benefit from revenue from subscribers of the Fletcher Investor signals. I do not benefit from investments anyone makes in the stocks Fletcher signals.

What should I expect going forward?

No guarantees. Expect volatility, drawdowns, and variation—not straight-line returns.

Is this sustainable?

Unknown. The system has worked historically. We’ll be studying the algorithm over time and provide subscribers the option to participate in beta testing other algorithms I develop.

What would cause it to stop working?

Structural market changes or conditions where the underlying signals lose effectiveness.

Do you have other questions?

Please contact me with any questions you may have.